| 词条 | Ripple (payment protocol) |
| 释义 |
| name = Ripple | title = Ripple | logo = Ripple logo.svg | logo caption = | logo size = 200px | logo alt = | screenshot = | caption = | screenshot size = | screenshot alt = | collapsible = | author = Arthur Britto, David Schwartz, Ryan Fugger | developer = Ripple Labs Inc. | released = 2012 | discontinued = | latest release version = 1.0.0[1] | latest release date = 15 May 2018[1] | latest preview version = | latest preview date = | programming language = C++ | operating system = Server: Linux (RHEL, CentOS, Ubuntu), Windows, macOS (development only) | platform = | size = | language = | language count = | language footnote = | genre = Real-time gross settlement, currency exchange, remittance | license = ISC license | alexa = | website = {{URL|https://developers.ripple.com/xrp-ledger-overview.html}} | standard = | AsOf = }} Ripple is a real-time gross settlement system, currency exchange and remittance network created by Ripple Labs Inc., a US-based technology company. Released in 2012, Ripple is built upon a distributed open source protocol, and supports tokens representing fiat currency, cryptocurrency, commodities, or other units of value such as frequent flier miles or mobile minutes.[2] Ripple purports to enable "secure, instantly and nearly free global financial transactions of any size with no chargebacks." The ledger employs the decentralized native cryptocurrency known as XRP, which {{Asof|2018|09|lc=yes|df=|since=}} was the second largest coin by market capitalization.[3][4] Ripple has been adopted by banks and payment networks as settlement infrastructure technology.[5] Ripple relies on a common shared ledger, which is a distributed database storing information about all Ripple accounts. The network is "managed by a network of independent validating servers that constantly compare their transaction records." Servers could belong to anyone, including banks or market makers.[6] Ripple validates accounts and balances instantly for payment transmission and delivers payment notification with very little latency (within a few seconds).[7] Payments are irreversible, and there are no chargebacks.[8] For its creation and development of the Ripple protocol (RTXP) and the Ripple payment/exchange network Ripple Labs was named as one of 2014's 50 Smartest Companies in the February 2014 edition of MIT Technology Review.[9] A scientific study made by two researchers from Stanford and Stockholm University that studied the money production from an energy consumption point of view and a macroeconomic level stated that running a server on Ripple was comparable to the energy needs of running an email server.[10] HistoryRipple was conceived by Jed McCaleb and built by Arthur Britto and David Schwartz who then approached Ryan Fugger who had debuted in 2005 as a financial service to provide secure payment options to members of an online community via a global network.[11][12] Fugger had developed a system called OpenCoin which would transform into Ripple.[6][15][13] The company also created its own form of digital currency referred to as XRP in a manner similar to bitcoin, using the currency to allow financial institutions to transfer money with negligible fees and wait-time.[14] Ripple Labs continued as the primary contributors of code to the consensus verification system behind Ripple, which can "integrate with banks’ existing networks."[15] Since 2013, the protocol has been adopted by an increasing number of financial institutions to "[offer] an alternative remittance option" to consumers.[16] By December 2014 Ripple Labs began working with global payments service Earthport, combining Ripple's software with Earthport's payment services system. The partnership marked the first network usage of the Ripple protocol.[17] On December 29, 2017, XRP briefly became the second largest cryptocurrency, with a market capitalization of US$73 billion.[18] A class-action lawsuit was filed against Ripple in May 2018 "alleging that it led a scheme to raise hundreds of millions of dollars through unregistered sales of its XRP tokens. [creating] billions of coins 'out of thin air' and then profited by selling them to the public in 'what is essentially a never-ending initial coin offering'."[19] See also{{Portal|Internet}}
Citations1. ^1 {{cite web|title=Official source code|url=https://github.com/ripple|publisher=Github|accessdate=May 14, 2014}} 2. ^{{cite web|title=Ripple Labs Banks $3.5M for Open-Source Payments System and Virtual Currency|url=https://www.wsj.com/articles/DJFVW00020131112e9bcncf1w|work=The Wall Street Journal Pro|publisher=Dow Jones & Company|date=November 12, 2013|accessdate=January 28, 2014}} 3. ^{{Cite news |url=https://www.wsj.com/articles/ripple-co-founders-token-selloff-accelerates-1537788600 |title=Ripple Co-Founder's Token Selloff Accelerates |last=Geron |first=Tomio |date=2018-09-24 |work=Wall Street Journal |access-date=September 26, 2018 |language=en-US |issn=0099-9660}} 4. ^[https://www.nytimes.com/2018/01/04/technology/bitcoin-ripple.html Rise of Bitcoin Competitor Ripple Creates Wealth to Rival Zuckerberg] 5. ^{{cite news | title=The rush to coin virtual money with real value | last=Popper | first=Nathaniel | work=The New York Times | url=https://dealbook.nytimes.com/2013/11/11/the-rush-to-coin-virtual-money-with-real-value/?_php=true&_type=blogs&_r=0 | accessdate=January 26, 2014 | publisher=The New York Times Company }} 6. ^1 {{cite news| title = Chris Larsen: Money Without Borders| first = Edmund L.| last = Andrews| url = http://www.gsb.stanford.edu/insights/chris-larsen-money-without-borders| publisher = Stanford Graduate School of Business| date = September 24, 2013| accessdate = April 10, 2015}} 7. ^{{cite news | last=Simonite | first=Tom | date=April 11, 2013 | title=Big-name investors back effort to build a better Bitcoin | work=MIT Technology Review | url=http://www.technologyreview.com/news/513606/big-name-investors-back-effort-to-build-a-better-bitcoin/ | accessdate=January 26, 2014 }} 8. ^{{cite web|last=Schwartz|first=Ariel|title=Bitcoin 2.0: Can Ripple Make Digital Currency Mainstream?|url=http://www.fastcoexist.com/1682032/bitcoin-20-can-ripple-make-digital-currency-mainstream|publisher=Fast Company|accessdate=February 2, 2014}} 9. ^{{cite web|last=Bergstein|first=Brian|title=50 Smartest Companies|url=http://www2.technologyreview.com/tr50/2014/|publisher=MIT Technology Review|accessdate=March 12, 2014}} 10. ^{{cite web|url=http://papers.netrogenic.com/sid/eco-friendly-money.pdf|title=How Eco friendly is our money and is there an alternative?|last1=Leopold|first1=Sid John|last2=Englesson|first2=Niclas|date=November 27, 2017|access-date=August 27, 2018}} 11. ^{{cite web|url=http://spectrum.ieee.org/telecom/internet/ripple-credit-system-could-help-or-harm-bitcoin|title=Ripple Could Help or Harm Bitcoin|last=Peck|first=Morgan|date=January 14, 2013|work=IEEE Spectrum|publisher=Institute of Electrical and Electronics Engineers|accessdate=January 27, 2014}} 12. ^{{cite web|url=http://motherboard.vice.com/blog/the-ripple-economy-could-make-bitcoin-great|title=Ripple Could Make Bitcoin Great (or Destroy It)|last=Liu|first=Alec|publisher=Motherboard|archiveurl=https://web.archive.org/web/20140207195306/http://motherboard.vice.com/blog/the-ripple-economy-could-make-bitcoin-great|archivedate=February 7, 2014|deadurl=yes|accessdate=January 27, 2014|df=mdy-all}} 13. ^1 {{cite news| title = Lessons in Innovation Leadership: Chris Larsen| first = Dr. Venkatesh| last = Bala| url = http://www.nielsen.com/us/en/insights/news/2014/lessons-in-innovation-leadership-chris-larsen.html| newspaper = Nielsen| publisher = The Cambridge Group| date = October 8, 2014| accessdate = June 10, 2015}} 14. ^{{cite news| title = Isn't one Internet enough?| first = Adam| last = Lashinsky| url = http://fortune.com/2014/08/22/ripple-virtual-currency/| newspaper = Fortune Magazine| date = August 22, 2014| accessdate = April 10, 2015}} 15. ^{{cite news| title = Ripple Labs CEO looks to revolutionise online payments| first = Jane| last = Cooper| url = http://www.thebanker.com/Techvision/Ripple-Labs-CEO-looks-to-revolutionise-online-payments| newspaper = The Banker| date = March 11, 2014| accessdate = April 10, 2015}} 16. ^{{cite news| title = Alternative Money Mover Ripple Labs Enters U.S. Banking System| first = Matt| last = Scully| url = http://www.americanbanker.com/issues/179_185/alternative-money-mover-ripple-labs-enters-us-banking-system-1070201-1.html| newspaper = American Banker| date = September 24, 2014| accessdate = June 16, 2015}} 17. ^{{cite news| title = BitBeat: Ripple Partners With Global Payments Service Earthport| first1 = Michael J. |last1 = Casey| first2 = Paul |last2 = Vigna| url = https://blogs.wsj.com/moneybeat/2014/12/04/bitbeat-ripple-partners-with-global-payments-service-earthport/| newspaper = Wall Street Journal| publisher =| date = December 4, 2014| accessdate = June 9, 2015}} 18. ^{{cite web|title=Ripple's 53% Surge Makes It the Second-Biggest Cryptocurrency|url=https://www.bloomberg.com/news/articles/2017-12-29/ripple-s-ris-is-poised-to-rain-on-ether-s-flippening-parade|website=Bloomberg |first=Kailey |last=Leinz |date=December 29, 2017 |access-date=February 14, 2019}} 19. ^{{cite web |url=https://www.bloomberg.com/news/articles/2018-05-04/ripple-hit-with-class-action-suit-over-never-ending-ico |title=Ripple Hit With Class-Action Suit Over 'Never Ending ICO' |first=Lily |last=Katz |date=May 4, 2018 |website=Bloomberg |access-date=January 27, 2019}} External links
10 : Private currencies|Cryptocurrencies|Foreign exchange companies|Foreign exchange market|Payment systems|Digital currencies|Mobile payments|Micropayment|Ripple payment network|Software using the ISC license |
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